Who will need it and for how long, how much it will cost, the state of the long-term care insurance marketplace, and the toll on caregivers. If there's a single unsolved problem in the retirement plans for many middle and upper-middle-income adults, it's what to do about long-term care costs later in life. Very...

Learning how to adjust to the changing market is crucial to the continued success of your Long-Term Care (LTC) Insurance business. Today’s market reflects an expanding, diverse clientele, so being able to respond to their unique needs and budget constraints is critical.  The first step is to understand...

“What’s your plan?” That's the question we encourage agents to ask their clients - because when there isn't one, the consequences can be heartbreaking. The New York Times article referenced below addresses the realities of what can happen when there is not a plan in place - through the tragic...

While educational seminars or direct mail campaigns are good lead generation tools, these campaigns can be costly and usually take time to yield considerable results. So how can you build momentum and grow your Long-Term Care Insurance business without breaking the bank? Follow these 3 simple steps: ...

Finding reasons why your clients need LTCi can be a challenge.  You want them to understand the importance and need for the product, and also how it can impact them and their family. Ask these 3 questions to your prospective clients to drive the point home on why having a LTCi policy is so important. 1....

Not only are women living longer than ever, they're also the target market that will drive your LTCi sales further. Women typically have spent some time during their life taking care of another person - a daughter, sister, wife, mother or friend.  As they look to their futures, they must consider...

Long-term care is often perceived as a difficult subject to discuss, but the ultimate goal - financial security - is the same as with any other type of insurance or investment that you currently offer your clients. Don’t let the topic of long-term care intimidate you out of a potential sale. The...

A Controlled Executive Bonus Plan, also known as a Restrictive Executive Bonus, or Section 162 plan, is an agreement between an employer and its key employee(s) to provide a death benefit, supplemental income, and now includes long-term care benefits. The employee applies for and owns the life insurance...

Most people will need long-term care services at some point during their lives, and the costs can be staggering. Asset Based Long-Term Care offers your clients an efficient way to plan for these potential expenses with LTC coverage plus as well as a death benefit for cost recovery. Four potential...